Your routing number is on your checks, online, and by phone
Your Bank of America routing number is a nine-digit code that tells other banks where to send money when you receive a transfer or direct deposit. Bank of America uses different routing numbers depending on which state your account is in, so the number for an account opened in California differs from one opened in New York.
The fastest way to find it: look at the bottom left of any check you have. The first nine digits are your routing number. If you do not have checks, log into your Bank of America online account, call their customer service line, or visit a branch in person.
Key Takeaways
- Bank of America routing numbers are nine digits and appear on the bottom left of your checks, before your account number.
- Your routing number depends on the state where your account is located, not where you currently live or bank.
- You can find your routing number online through your Bank of America account, by calling 1-800-432-1000, or by asking a teller at any branch.
- When you set up direct deposit or receive a wire transfer, you will need both your routing number and your account number.
Finding your routing number on a check
The easiest method is to pull out a check from your checkbook. At the bottom of the check, you will see three sets of numbers separated by vertical lines. The first set of nine digits is your routing number. The second set is your account number. The third set is the check number.
If the numbers are hard to read or faded, you can order new checks from Bank of America or use one of the other methods below. You do not need a physical check to access your routing number—it is the same for all checks drawn from your account.
Finding your routing number online
Log into your Bank of America account at bankofamerica.com. Once you are signed in, go to the account details or account information section. The routing number is usually listed there alongside your account number. Some accounts show it under "Account Summary" or "Account Details."
If you cannot locate it in your account dashboard, look for a section labeled "Routing Number" or "Bank Information." Bank of America also provides routing numbers on statements and in account documents sent by mail. If you have a recent statement, check the top or bottom of the first page.
Calling Bank of America customer service
Call Bank of America at 1-800-432-1000 and tell the representative you need your routing number. Have your account number or Social Security number ready so they can verify your identity. The representative will give you the nine-digit routing number over the phone.
Customer service is available 24 hours a day, seven days a week. If you are calling from outside the United States, use the international number listed on the back of your debit card or on the Bank of America website.
Visiting a Bank of America branch
Walk into any Bank of America branch with your ID and ask a teller for your routing number. They can print it for you or write it down on the spot. This method works if you prefer to speak to someone in person or if you do not have online access.
Branches are open Monday through Friday during standard business hours, with some locations open on Saturday. Hours vary by location, so check the Bank of America website or call ahead to confirm the hours of your nearest branch.
Understanding routing numbers by state
Bank of America uses different routing numbers for accounts opened in different states. If you opened your account in California, your routing number will be different from someone who opened an account in Texas or Florida. The routing number is tied to the state where the account was originally opened, not where you live now or where you bank.
This matters when you are setting up direct deposit or receiving a wire transfer. Make sure you provide the routing number that matches your account's home state, not the state you currently live in. If you are unsure which state your account is associated with, check your account documents or ask Bank of America directly.
When you need your routing number
You will need your routing number when setting up direct deposit for your paycheck, receiving a wire transfer from another bank, or paying bills through your bank's bill pay service. Employers, government agencies, and other financial institutions ask for your routing number to send money to your account.
You will also need it if you are transferring money between your Bank of America account and an account at another bank. Keep your routing number handy in a safe place, or know where to find it quickly. It does not change unless you close your account and open a new one.
Frequently Asked Questions
Does Bank of America have one routing number or multiple?
Bank of America has multiple routing numbers, one for each state. Your specific routing number depends on which state your account was opened in. You can find your account's routing number using any of the methods above.
Is my routing number the same as my account number?
No. Your routing number is nine digits and identifies your bank and the state where your account is located. Your account number is separate and identifies your specific account. Both appear on your checks, with the routing number first.
Can I use someone else's routing number to send them money?
Yes. If you are sending money to someone else's Bank of America account, you need their routing number and account number. The routing number tells your bank where to send the money, and the account number tells Bank of America which account to deposit it into.
What if I cannot find my routing number?
Call Bank of America at 1-800-432-1000, log into your online account, or visit a branch in person. All three methods will give you your routing number within minutes. You do not need to have checks or any special documents—just your account information.
Does my routing number change if I move to a different state?
No. Your routing number stays the same because it is tied to the state where your account was originally opened, not where you live now. If you move and want a routing number for a different state, you would need to open a new account in that state.